Publication

Retirement adequacy: can employers afford not to care?

calendar icon 25 March 2026
time icon 3 min

Author

Mark Stansfield
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Mark Stansfield

Senior Actuarial Consultant

In our publication, we explore how changing retirement behaviours are reshaping the employer–employee relationship. 

This is the third publication in our three year adequacy project, part of our wider future of UK retirement campaign. We explore why retirement adequacy is becoming an employer challenge, not just a pensions one, including: 

  • why adequacy is already affecting workforce planning and succession
  • how partial retirement and people working longer are changing retirement patterns and behaviours
  • why pensions remain one of the most valued benefits in a changing workplace
  • what inaction could mean for productivity, wellbeing and workforce resilience 

DOWNLOAD THE PUBLICATION

As pensions become more visible, particularly with the expected launch of the pensions dashboard, employees will have a clearer view of whether they are on track for retirement. That visibility will raise questions, expectations and demand for support, even where pension savings were built up elsewhere. 

We also look ahead. With renewed government attention on adequacy and increasing pressure on the State Pension, we consider whether employers can afford not to engage with this issue. 

Upcoming webinar

Next month, we’ll be hosting a live webinar as part of our retirement adequacy project, exploring why inadequate retirement outcomes create real risks for employers. We’ll share more details shortly. 

If you would like to find out more or discuss what this could mean for your business, please get in touch. 

 

This communication has been compiled by Hymans Robertson LLP® (HR) as a general information summary and is based on its understanding of events as at the date of publication, which may be subject to change. It is not to be relied upon for investment or financial decisions and is not a substitute for professional advice (including for legal, investment or tax advice) on specific circumstances. HR accepts no liability for errors or omissions or reliance on any statement or opinion. Where we have relied upon data provided by third parties, reasonable care has been taken to assess its accuracy however we provide no guarantee and accept no liability in respect of any errors made by any third party. Hymans Robertson LLP is a limited liability partnership registered in England and Wales with registered number OC310282. Authorised and regulated by the Financial Conduct Authority and licensed by the Institute and Faculty of Actuaries for a range of investment business activities. © Hymans Robertson LLP 2026. All rights reserved.  

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